Comparison

Keepy vs Cycles Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Keepy

Features
Read full description

Simplify your financial life with Keepy, the all-in-one app to manage your daily expenses, track your subscriptions, and organize your loyalty cards. Designed for iOS, Wallet seamlessly integrates with your Apple ecosystem, offering iCloud synchronization, interactive widgets, and support for the latest iOS 18 features. Key Features: Expense & Budget Management Track every transaction with ease. Set monthly budgets by category and never overspend again. View detailed monthly reports and intuitive charts to understand where your money goes. Get smart insights into your spending habits. Subscription Tracking Never miss a renewal again. Wallet notifies you before payment is due. Analyze monthly and yearly costs of your services. Identify unused subscriptions to save money. Loyalty Cards Always With You Digitize all your cards: scan the barcode and leave your wallet at home. Smart Geolocation: Receive a notification with your loyalty card as soon as you're near the store. Quickly access your favorite cards via Widgets and Live Activities. Security & Privacy Protect your data with Face ID or Touch ID. Your data is yours: secure synchronization via your private iCloud account. Family Sharing support: share cards and expenses with your loved ones (requires CloudKit). Design & Technology Modern and clean interface, optimized for iOS 18. Dark Mode support. Home Screen and Lock Screen widgets. Apple Watch app to keep your cards always on your wrist. Download Keepy today and take control of your finances! Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://github.com/SimoWZ/Wallet-iOS-Public/blob/main/PRIVACY_POLICY.md

About

Cycles Pay

This finance app offers private transactions using zero-knowledge proofs, allowing users to shield sensitive financial data. It also enables automatic yield generation on idle balances and will soon support direct fiat payments with integrated virtual bank accounts.

Highlights
  • Private transactions with zero-knowledge proofs
  • Automatic yield on idle balances
  • Stablecoin and fiat payment support
  • Auditable transactions when needed
  • Integrated virtual bank accounts (coming soon)
Features
Read full description

Cycles Pay is a modern payment app built for both businesses and individuals, combining private transactions, stablecoin and fiat payments, and yield. Private by default Nearly all payment apps expose balances, history, and counterparties. With Cycles Pay, transactions are shielded using zero-knowledge proofs, so sensitive financial data stays private, while remaining auditable when needed. Automatic yield In both fintech & crypto alike, earning yield usually means a lot of deposits & withdrawals. In Cycles Pay, funds remain productive while still being usable for payments, letting individuals & businesses earn on idle balances without sacrificing time or liquidity. Fiat payments (Coming soon) Send and receive fiat directly in the Cycles Pay application. Our integrated virtual bank accounts automate the conversion to and from fiat on entry and exit, meaning everyday payments can be processed straight from the application.

Screenshots

Keepy4 screens
Cycles Pay4 screens

Verdict

The call

The clearest difference is in-app purchases: Cycles Pay at none against Keepy's 3. Keepy's advantage is device support (3 vs 1). On price, update cadence, ads and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Keepy sells 3 in-app purchases, starting at $1.99 per month. Cycles Pay asks for nothing beyond the download.

UpkeepUpdate frequency

Keepy ships an update every 9 days, Cycles Pay every 8 days. The most recent releases landed on October 24, 2026 and October 5, 2026 respectively.

Scorecard2 real differences · 8 level
Keepy versus Cycles Pay: the parameters behind the verdict, then further details
ParameterKeepyCycles Pay
PriceFreeFree
Rating—5.0 (1 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—1 — better
Update frequencyEvery 9 daysEvery 8 days — better
AdsNoNo
In-app purchasesYesNo — better
Monetization—Free
DevicesiPhone, iPad, Apple Watch — betteriPhone
Requires iOS17.016.4 — better
Further details — not scored
Size61 MB117 MB
Age rating4+17+
DeveloperSimone VillaCycles Protocol

In-app purchases

3 purchases

Keepy

Subscriptions2
  • Pro Monthly$1.991 Month
  • Pro Annual - 7 days free7 Days trial$9.991 Year
One-time1
  • Lifetime Access$24.99
None

Cycles Pay

No in-app purchases

Questions

Is Keepy free?
Keepy is free to download, with in-app purchases available.
Is Cycles Pay free?
Cycles Pay is free to download, with no in-app purchases.
Do Keepy or Cycles Pay have ads?
Neither Keepy nor Cycles Pay shows ads.
Which is updated more often, Keepy or Cycles Pay?
Keepy ships an update every 9 days, and Cycles Pay every 8 days. Most recently, Keepy was updated on October 24, 2026 and Cycles Pay on October 5, 2026.

Other comparisons